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OP Bancorp vs Uscb Financial Holdings: OPBK and USCB compared
OP Bancorp is the larger company: $27.5M of revenue in its latest quarter (Q3 2026) against $27.0M for Uscb Financial Holdings (Q3 2026). OP Bancorp is growing faster (+12% against +8% a year earlier). Uscb Financial Holdings is more profitable, with an operating margin of 45.2% against 37.8%.
Where the money goes: OPBK and USCB
OP Bancorp (OPBK) · Q3 2026
OP Bancorp, Q3 2026: revenue $27.5M (+12% year over year), operating margin 37.8%, net earnings $7.8M, operating cash flow $25.4M. The chart follows the revenue to costs, profit and cash.
Uscb Financial Holdings (USCB) · Q3 2026
Uscb Financial Holdings, Q3 2026: revenue $27.0M (+8% year over year), operating margin 45.2%, net earnings $9.5M, operating cash flow $14.0M. The chart follows the revenue to costs, profit and cash.
| OP Bancorp (OPBK) | Uscb Financial Holdings (USCB) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $27.5M | $27.0M |
| Revenue growth, Y/Y | +12% | +8% |
| Operating margin | 37.8% | 45.2% |
| Net earnings | $7.8M | $9.5M |
| Net margin | 28.2% | 35.3% |
| Operating cash flow | $25.4M | $14.0M |
| Free cash flow | $25.2M | $13.9M |
Where the revenue comes from
OP Bancorp
- Net interest income: $22.2M (81%)
- Noninterest income: $5.3M (19%)
Uscb Financial Holdings
- Net interest income: $24.3M (90%)
- Noninterest income: $2.7M (10%)
Questions
Which is bigger, OP Bancorp or Uscb Financial Holdings?
OP Bancorp is the larger company: $27.5M of revenue in its latest quarter (Q3 2026) against $27.0M for Uscb Financial Holdings (Q3 2026).
Is OP Bancorp or Uscb Financial Holdings growing faster?
OP Bancorp is growing faster (+12% against +8% a year earlier).
Which is more profitable, OP Bancorp or Uscb Financial Holdings?
Uscb Financial Holdings is more profitable, with an operating margin of 45.2% against 37.8%.
More: OP Bancorp earnings · how OP Bancorp makes money · Uscb Financial Holdings earnings · how Uscb Financial Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.